Computer insurance may be issued by either the manufacturer or distributor of a computer. Typically, computer insurance covers the cost of repairs or replacements if the computer is damaged to named qualifying events. These events may include theft, manufacturer's default or weather damage. Some computer insurance will cover all hazards for a limited period, while other policies will cover only losses due to damages caused by computer malfunction. When deciding whether to buy computer insurance, consider what the standard manufacturer's warranty already covers, the average cost to repair damages to the computer, and your ability to pay if such damages occur. 

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